Billingz is a software tool that helps freelancers and micro-businesses organize invoices, expenses, income, and runway visibility. It is an operational and informational product. It is not a bank, payment institution, accounting firm, tax authority, or licensed financial advisor.

Nothing inside Billingz — including runway estimates, score bands, risk indicators, suggested actions, SafeGuard scenarios, or any copy on any screen — constitutes financial, investment, legal, or tax advice. Outputs are informational signals derived from the data you enter. Decisions based on them are yours alone.

Billingz computes estimates from the data you provide and from general heuristics. Results can be wrong, incomplete, or outdated. We do not warrant that any calculation, forecast, score, or recommendation is accurate, current, or fit for any particular purpose.

You are responsible for the accuracy of the information you enter, for your own invoicing and bookkeeping decisions, and for verifying anything Billingz surfaces before acting on it. Billingz is a tool that supports your judgment; it does not replace it.

Billingz helps you generate invoice documents. You are responsible for confirming that each invoice meets the legal, tax, VAT, and regulatory requirements applicable to you and to your clients in their jurisdictions. Billingz does not certify legal compliance of any document it produces.

Billingz does not move, hold, transfer, or process money. It does not connect to your bank to execute payments. It records and organizes financial information only. All actual money movement happens outside Billingz through your own banking and payment providers.

To the fullest extent permitted by law, Billingz and its operators are not liable for any direct, indirect, incidental, or consequential loss arising from your use of the product, including missed payments, tax or compliance errors, lost opportunities, or decisions made in reliance on any output from the tool.

You own the data you enter. Billingz processes that data to compute the views, scores, and estimates you see inside the product. We take reasonable measures to protect it, but no system is perfectly secure; you accept the residual risk inherent in using cloud-based software.

Billingz may add, remove, or modify features, scoring logic, pricing, and these terms at any time. Material changes will be communicated through the product. Continued use after a change means you accept the revised terms.

By creating content in Billingz — onboarding, saving a business profile, creating an invoice, or otherwise using the product — you acknowledge that you have read, understood, and accepted these terms.